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You’ve made the right choice to protect yourself
and your family with private health cover. Before
you get started we wanted to take a quick
moment to point out a few things about rt that
you might find interesting.

3. We’ve been looking after Australian
workers since 1889. We’ve been providing
health cover to people in the transport and
electricity industries for more than 120 years,
so we’ve had a long time to get it right.

1. We’re the health fund for transport and
electricity industry people. If you or a
member of your family currently work in the
transport or electricity industries, or ever
have, or if you work for a company that
provides services to the transport or electricity
industries, then you’re eligible to join.

4. We have a simple range of great value
health covers. In fact, Australian Financial
Review’s Smart Investor magazine has
named us one of Australia’s ‘best-value
health funds’ for three years running (June
2008 + 2009 + 2010). We keep it simple too
– no tricky fine print, no fancy footwork to trip
you up. And you’ll be pleasantly surprised to
see how our prices compare. More often than
not we find we can save people hundreds on
their health cover; it’s the type of deal you’d
expect from your industry health fund.

2. We’re a mutual not-for-profit fund.
That means we’re owned by our members.
We have no reason for existing other than
to provide our members with the best
possible health cover at the best possible
price. We return more than 90% of
contributions to members through claims
payments; with us, it’s all about a better
deal for members, not shareholders.

We don’t
waste money
on a lot of
branches for
our members
to line up in.

Have you noticed how so many
companies today treat their customers
like a real inconvenience?

head office
46 burwood road
burwood nsw 2134

Some make you pay to come in and talk to a
staff member, others charge you extra if you
choose to pay the way you want rather than
the way that suits them, and others even make
you do the work yourself! What’s happened to
the idea of service? Why is it that customers
are treated like the ones who are lucky to be
receiving an organisation’s service rather than
the organisation behaving like it’s grateful to
have you as a customer?

wollongong
139 keira street
wollongong nsw 2500

We exist to serve our members – this focus
makes it possible for us to deliver member
value above everything else.

5. We’re here to help. You’ve probably heard
a lot of health funds trying to tell you how
simple it all is – ‘Easy as 1, 2, 3’, they say.
Well, guess what? It isn’t. Health insurance
is complicated and confusing, but it is
important. And never more so than the
day you need to use it. We want to help
you make sure that you’ve made the right
decisions for yourself and your family when
that day comes. Our team are experts in
our health covers and in how the healthcare
system works. Everything we do is designed
to make it easier for you to understand,
easier to make the right choices, and easier
to get the most from your health cover.
This brochure is designed to help you choose
the right rt health cover for you. So let us guide
you step-by-step through the key decisions
you need to make, and help you to bear in
mind some important considerations along the
way. If you don’t want to do this by yourself,
you don’t have to. Call our member care team
and we’ll talk you through the options, help you
to compare your current health cover with what
rt can offer, and even give you a hand finding
your way through the application form.

We would love to welcome
you and your family on
board as new rt health fund
members, so whatever you
need, we’re here to help.

Research shows that people find
health insurance really confusing.
No kidding.
It’s confusing enough with all the rules,
regulations, government programs, incentives
and penalties. Then most health funds like to
roll out dozens of different health covers – each
one making it sound like you have the top level
of cover available – wrapped in a mountain of
fine print. We prefer to keep it simple with a
small range of easy-to-understand covers, and
no itty-bitty fine print to confuse you. It seems
to be an approach that works, too.
The Australian Financial Review’s Smart Investor
magazine has named our covers among the
best value in the country for three years running
(2008 + 2009 + 2010).

hospital cover

1.
product
snapshot

extras cover

The more circles filled in, the higher
the level of cover.

An easy guide toer.
your level of cov
Our top level of cover
04

Before we start talking about the
ins and outs of our different cover
choices, here’s a quick overview
to help you understand what ‘level’
of cover they each offer.
Most people like to take a combination of
hospital and extras – it gives you peace of
mind, knowing that you have options available
if you have a hospital stay, as well as the
added benefit of rebates on a range of day-today and preventative health things like dental,
optical, massage, natural therapies and so on.
With the exception of our Fit + Healthy Cover,
which only comes as a package, you can
choose to take hospital and extras together,
or just one or the other – whatever suits you.
We’ve shown the different combinations of
hospital and extras packages here.

Private Hospital + Extras
This is a great hospital and extras package.
• There are no exclusions with our Private
Hospital Cover; you’re covered for treatment
in the hospital of your choice, by the doctor
of your choice. And our Extras Cover gives
you generous rebates on a huge range of
health and wellbeing products, services and
treatments that aren’t covered by Medicare.
• You can choose to take your Private Hospital
Cover with an optional $250 excess, which
will reduce the cost.
• You get a discount when you take Private
Hospital + Extras together, although you can
take just one or the other if you prefer.
• Some benefit limitations apply if you take
Extras Cover by itself, make sure you’re happy
with these before you make your choice.

For details on each of our covers, check out pages 10 -15.

05

Our intermediate cover

Our lowest level of cover

Fit + Healthy Hospital & Extras

Basic Hospital + Extras

This is like ‘health cover lite’.
• You’re covered for some treatments in a
private hospital and some in a public hospital,
always with the doctor of your choice, as well
as a simple selection of extras.
• Fit + Healthy Hospital comes with an
automatic $250 excess, which helps to keep
the cost down.
• This is a combined hospital and extras cover;
you can’t take one without the other.

This is a good hospital cover if you don’t need
or want access to a private hospital.
• You’re covered for treatment in the public
hospital of your choice, by the doctor of your
choice. Add in our Extras Cover, and you
also get generous rebates on a huge range of
health and wellbeing products, services and
treatments that aren’t covered by Medicare.
• You get a discount when you take
Basic Hospital + Extras together, although
you can take just one or the other if you prefer.
• Some benefit limitations apply if you take
Extras Cover by itself, make sure you’re happy
with these before you make your choice.
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2.
who’s
in your
family?
There are a number of things to bear in mind
when choosing your health cover. Think of these
as ‘conversation starters’ to help you make the
right choice, or to help our team help you.

Which cover suits
you best?

Who do you want to cover?

Things to consider

Just you (girls)

One of the main differences between health cover choices for
men and women is the question of whether you want to be
covered for pregnancy. While it might not be a top priority right
now, it’s never a bad idea to think about whether you might
want to be covered sometime in the future.

Singles

Our Private Hospital Cover is the only one that gives you full
coverage for pregnancy in the hospital of your choice with the
doctor of your choice. If you start with a lower level of hospital
cover you can always upgrade, but remember, a 12-month
waiting period will apply from the time you upgrade, so you
won’t be covered for pregnancy immediately.
Just you (guys)

Key things for you to think about include your age, how healthy
you are, whether you have any specific health concerns and if
you want cover for things like physio, optical, dental, massage,
natural therapies, vaccines and so on.
If you’re a younger guy, or someone who’s a bit older but still
ten-foot tall and bulletproof, you might be interested in our Fit +
Healthy Cover. This is a great ‘entry level’ cover and we keep the
price down for you by excluding some things you might not need.

06

For details on each of our covers, check out pages 10 -15.

Both of you (opposite sex or
same sex)

If you’re planning a family, choosing a cover that includes
pregnancy means you can easily transfer to a family membership
that will cover any new arrivals at no extra cost ... no matter how
many you add to your brood!

Couples
Families

Take a look at all of the considerations for singles on the previous
page, because they’re probably relevant for you, too.

All of you (two adults and any
number of kids)

Most families know all too well about the costs associated with
dentist appointments, braces, glasses, prescriptions, a trip to
the hospital every now and then – and the occasional remedial
massage to iron out all the kinks. If you’re considering anything
less than our Private Hospital + Extras, be careful to note the
exclusions and the lower benefits that apply to other covers
before making your final choice.

You and the kids (one adult
and any number of kids)

All of the above applies to you, too. The difference is that our
Private and Basic Hospital Covers offer a price break to single
parent families. Since there’s only one adult, it is a little less
expensive than a family cover with two adults. Not many health
funds offer a special category of cover for single parent families,
but we’re all about real-life health cover to suit real-life families.

Health cover for your kids
Your children are covered by your family or
single parent family membership until their 21st
birthday. After that, there are a couple of options
for you to keep them covered up to their 25th
birthday, provided they are not married or living
in a de facto relationship:
1. If they are studying full-time they can remain
on your membership at no additional cost.
2. If they are working, they can remain
covered if you have our Private Hospital
Cover (with or without Extras, does not
apply to Basic or Fit + Healthy Hospital
Covers) for an additional contribution that’s
only a fraction of what they’d pay for their
own individual health cover. Call our member
care team for details, 1300 886 123.

Once they’re 25, it’s time for the kids to get
their own cover. Thanks to your rt membership,
they’ll not only be automatically eligible to join,
but if they transfer to their own membership
within two months of leaving yours they can
join with no waiting periods to serve.

A lot of people get a real shock
when they call us.
We’ve all become so used to having our
calls answered by machines, and having
to jump through hoops pressing ‘1’ for
this, ‘3’ for that, and ‘9’ to hear the options
all over again. Is it any wonder that we’re
frustrated before we even get to talk to
a human being? When you call us, we’ll
answer the phone. And the same person
who answers the phone is the person
who can help you with your call.
Real people delivering real service –
do you think it’ll ever catch on?

3.
choosing
a hospital
cover
How does hospital cover work?
When you go into hospital there are three
different types of costs:
1. The hospital’s costs. These are the costs
associated with your accommodation and
treatment: your bed, the ward, your food,
the nursing staff, all the equipment they use,
all the bits of machinery they connect you
up to and so on. You can be covered for
100% of these costs if you go to a hospital
that has a contract with rt (after you pay
your excess, if you have one). Since we
have contracts with most private hospitals
and day facilities in the country, chances are
you’ll be okay, but we do recommend that
our members check with us before booking
their hospital stay.
2. The doctors’ costs. Every doctor and
health professional who sees you will
charge his or her own fees. This includes
your surgeon, anaesthetist, other
specialists, pathologist, radiologist,
physiotherapist and plenty of behind-thescenes people you may never even lay eyes
on during your hospital stay. Medicare and
your health cover might not pay 100% of
their costs and this is where most outof-pocket costs come from. Here’s why:
every procedure or treatment you have
in a hospital has a fee associated with it
that has been set by the government as
the amount that can be covered between
Medicare and your health fund. It’s called
the Medicare Benefits Schedule (MBS) fee.
Medicare pays 75% of the MBS fee and,

10

Which hospital cover
suits you best?
by law, health funds can pay the remaining
25%, but no more than that. Doctors can
charge any amount above the MBS fee,
and that amount ends up being an out-ofpocket cost for you. There are some things
you can do to be aware of, reduce, or even
avoid out-of-pocket costs. We always
recommend our members contact us before
going to hospital so we can help them work
through what’s going to happen and how to
best manage the costs.
3. Prostheses, drugs and other costs.
Most of these will be covered, but there
are a couple of restrictions on the types
of prostheses and pharmaceuticals that we
can pay for. These mostly apply to items
that are not covered by the Pharmaceutical
Benefits Scheme (PBS) or the federal
government-approved Prostheses List.
Again, we recommend our members check
with us before going into hospital so there
are no surprises.

No exclusions or restrictions, but you are only
fully covered for treatment in a public hospital.
Admission to a private hospital will leave you
with substantial out-of-pocket costs.

Psychiatric treatment, cardiothoracic procedures and
rehabilitation are only covered in a public hospital.

Please note, this cover does not enable you
to bypass public hospital waiting lists for
accommodation. Your treatment will be subject
to the individual hospital’s bed availability.

Waiting periods – accidents

1 day

1 day

1 day

– general services

2 months

2 months

2 months

– pre-existing conditions

12 months

12 months

12 months

– obstetrics / pregnancy-related services

12 months

Not covered

12 months

Benefit limitation period

Default benefits apply during the benefit limitation period. This is not applicable if you’re transferring to rt from an equivalent or higher level of cover with another health
fund, and have already served waiting periods.

– elective surgery

12 months

12 months

12 months

– wisdom tooth extraction

12 months

12 months

12 months

Additional benefits available at no extra cost

Emergency ambulance transportation (see page 17 for more information).
Access Gap Cover – helps reduce out-of-pocket costs.
Hospital at home – offers an alternative to a hospital admission or enables you to leave hospital early and receive treatment in your own home.
Health4life – helps people self-manage existing or potential chronic diseases (including asthma, diabetes, arthritis, heart disease and others).
Pregnancy, birth + beyond – provides support from the time of conception until baby’s first birthday, includes unlimited telephone and email
access to midwives, pregnancy website and a gift on the birth of your baby (only available with Private Hospital Cover).

Things you mighbtout ...
be wonder ing a

How do I know what I’m covered for?
It’s easier than it seems. First, you must be
admitted to a hospital or day surgery as an
inpatient. And second, if Medicare pays a
benefit for the treatment, service or procedure,
then you’re covered (unless the cover you
choose specifically excludes it).

11

If I switch to rt will I lose the time I’ve
built up with my current health fund?
You won’t have to serve waiting periods again
if you’re transferring to rt from an equivalent or
higher level of cover with another health fund,
or if you’ve been covered by your parents’
membership and you’re just starting out with
your own, as long as it’s not more than two
months since you left your last health fund.

Read more
on page 16.

Is more information available?
Our detailed cover guides list everything
you’re covered for and how much you
can expect to get back. Take a look at
the ‘rt members’ area of our website
and click on the page ‘how do you know
what you’re covered for’ to download a
table for the product you’re interested in.
Visit www.rthealthfund.com.au.

12

4.
choosing
a general
treatment
cover
You probably know this as ‘extras’ or
‘ancillary’ cover, these days the health
insurance industry calls it general treatment
cover. It’s cover for the types of healthcare
services that you might want to have outside
of hospital. It includes things like dental,
optical, physio, prescriptions, vaccines,
massage and a huge range of other things
that aren’t covered by Medicare.
We have three options when it comes
to choosing a general treatment cover:
1. Extras Cover together with an rt
hospital cover – gives you our top level
of extras cover.
2. Extras Cover without an rt hospital
cover – almost identical to extras with
an rt hospital cover, but it bundles the
dental and specialist therapy benefits into
combined limits. This is a lower level of
cover than you get if you take hospital
and extras together.
3. Fit + Healthy Extras Cover – comes with
Fit + Healthy Hospital, and provides good
cover for the fit and healthy, but keeps the
cost down by leaving out some things.

13

Please note, this is only summary
information, showing the annual
limits that can be claimed per person
or per family. Limits for individual
consultations or services apply. If you’re
interested in knowing more, our detailed
cover guides list everything you’re
covered for and how much you can
expect to get back. Take a look at the
‘rt members’ area of our website and
click on the page ‘how do you know
what you’re covered for’ to download
a table for the product you’re interested
in. Visit www.rthealthfund.com.au.

5.
health
t
managemen
programs
When it comes to helping you ‘be well, can often have profound effects on a person’s
physical, emotional and mental wellbeing,
get well and stay well’, we’re putting
making it difficult to carry on with daily routines
our money where our mouth is.
As a health fund, we’re in the business of
helping people take care of their health. And
for us, that means doing more than just paying
claims and helping cover the costs when you’re
unwell or injured. We like to do as much as we
can to make sure you don’t find yourself in that
boat in the first place. Our health management
programs are designed to help you do just that
– and they’re available as part of your rt hospital
cover at absolutely no extra cost.
Hospital at home
Our hospital at home program can help you
get home from hospital sooner, or even avoid a
hospitalisation altogether, by providing you with
‘hospital equivalent’ treatment and follow-up
care in your own home.
The program is available for all kinds of
treatments and post-procedure support. If it is
possible to provide the treatments you need in
your own home, and if you, your doctor and the
hospital agree that it is appropriate for you, then
we can help.
Our objective is to bring the hospital to you, so
you can concentrate on your recovery in the
comfort and privacy of your home.
Hospital at home is available to eligible
members with any rt hospital cover, at
absolutely no cost.
Health4life
Chronic diseases include (but are not limited to)
conditions such as asthma, diabetes, arthritis,
depression, cancer and heart disease. And they

and relationships. The positive news is that
in many cases, chronic diseases can be
‘managed’, and sometimes even prevented,
by adopting specific behaviours and making
lifestyle changes. But we know this can be
difficult to do alone. Our health4life program
is designed to support you in improving your
health so you can enjoy a better quality of life.
Participants are assigned a professional case
manager who provides them with tailored
information and support through a series of
telephone appointments over either a six or
12-month period, depending on their needs.

Health4life is available to eligible members with
any rt hospital cover, at absolutely no cost.
Pregnancy, birth + beyond
Having a baby is exciting but it can also be
a little overwhelming, especially for first-time
parents. Being armed with practical and relevant
information, and having access to expert
midwives whenever you need them will give
you the peace of mind of knowing that there’s
help at hand with any questions or issues that
arise during your pregnancy. Our pregnancy,
birth + beyond program is designed to give you
a guiding hand from conception right through
to baby’s first birthday, helping you to enjoy a
stress-free pregnancy as well as adjust to the
changes and challenges that come with having
a baby.
Pregnancy, birth + beyond is available to eligible
members with our Private Hospital Cover, at
absolutely no cost.

6.
should
you have e
Ambulanc
Cover?

You’re covered
after 1 day of
membership.

Emergency ambulance transportation is included
in each of our hospital covers.
If you live in:

Then you’re covered for:

NSW or ACT

• Unlimited cover
• Emergency and non-emergency ambulance attendance and transportation
• Cover applies no matter where you are in Australia

QLD

If you’re a Queensland resident, you pay a Community Ambulance Levy through your
electricity bill. Your rt hospital cover therefore does NOT include cover for ambulance.
For more information visit www.ambulance.qld.gov.au.

VIC, SA, WA
and NT

• $5,000 per person, per year
• Emergency ambulance transportation (no cover for non-emergency transportation
or ambulance attendance only)
• Cover applies no matter where you are in Australia
You can take out a higher level of ambulance cover, which includes non-emergency
and ambulance attendance, with these state-based organisations:
Victorian Ambulance Service, www.ambulance.vic.gov.au
South Australian Ambulance Service, www.saambulance.com.au
St John Ambulance Western Australia, www.stjohnambulance.com.au
St John Ambulance Northern Territory, www.stjohnnt.org.au

TAS

• $5,000 per person, per year
• Emergency ambulance transportation (no cover for non-emergency transportation
or ambulance attendance only)
• Cover only applies when Tasmanian residents use the ambulance service while in
Queensland or South Australia (there is no cover for Tasmanian residents while in
Tasmania, Victoria, WA, NT, NSW or ACT)
The Tasmanian Ambulance Service provides a free service to all Tasmanian residents,
www.dhhs.tas.gov.au

Today, almost three-quarters of
all Australians with private health
insurance are covered by â&#x20AC;&#x2DC;for
profitâ&#x20AC;&#x2122; funds.
This is a significant change in the health
insurance industry, which up until the last
couple of years was almost entirely not-forprofit. For profit funds face increased
pressure to deliver profits and dividends,
together with the constantly escalating costs
of healthcare. There is little doubt that it will
be their members who will foot the bill.
We exist to serve our members, not to profit
from them.

19

7.
How much
is it going
to cost?
You’ll find a comprehensive price list tucked
into the pocket at the back of this brochure
(if someone has beaten you to it, give our
member care team a call for a quote on
1300 886 123, or use our online quote
calculator at www.rthealthfund.com.au).
There are a few things that affect the price of
your health cover:
• Do you have a lifetime health cover
loading? A government loading applies
to anyone who hasn’t taken out hospital
cover before 1 July following their 31st
birthday. For every year you are over 31
when you first take out hospital cover (or
start up again if you haven’t had cover for
a while) you will incur a 2% loading. When
you’ve held your cover continuously for ten
years the loading will be removed.
• What rebate are you entitled to?
Depending on your age you will be entitled
to a 30% (up to age 64), 35% (age 65 to 69)
or 40% (70 and over) government rebate on
the cost of your health cover.
If you need more information on these or
other government programs relating to private
health insurance, let us know or visit
the Commonwealth Department of Health
and Ageing website at www.health.gov.au.
• Are you a single parent family? Our Private
and Basic Hospital Covers are less expensive
for single parent family memberships than for
family memberships that cover two adults.

20

And remember

, taking hospital and
extras cover together is better value,
because you get a special combined rate.

How does rt compare?
We think you’ll find we compare very well.
More often than not we find we can offer
people a better price on the same or even
a higher level of cover than they currently
have. Our team can help you work through
the process of comparing your current cover
with what rt has to offer.
If you prefer, you can do some simple
comparisons yourself using the government
website, www.privatehealth.gov.au. All health
funds submit their Standard Information
Statements (SISs) to this website. SISs are
designed to set out the details of all health fund
products in a similar way, making it easier
for people to compare.

21

8.
so, what
now?
Ready to join, risk free?
We understand that deciding to join a health
fund for the first time, or switching over from
your current fund, is a big step. We want to
make it easy for you, so once you join we’ll
give you 30 days to try us risk free. If you
change your mind within the first 30 days,
we’ll refund your money.

You’ve got nothing to lose with
portability of cover
You won’t have to serve waiting periods again
if you’re transferring to rt from an equivalent
or higher level of cover with another health
fund, or if you’ve been covered by your
parents’ membership and you’re just starting
out with your own, as long as it’s not more
than two months since you left your last
health fund. In some circumstances, during
your first year of membership, you may have
to pay the excess applicable to your previous
health cover if you need to go to hospital,
and benefits you’ve already used up with your
previous fund may be taken into consideration.

Let’s check that you’re eligible to join
There are two different types of health funds
in Australia – unrestricted funds that anyone
can join, and exclusive membership funds that
require special eligibility to join. rt is an exclusive
membership health fund. We exist specifically to
care for the health cover needs of transport and
electricity industry employees and their families.

Try our 30-day
risk‑free trial.
Any current or former employees of a railway,
transport or electricity industry organisation
and their family – including partner, kids and
extended family – are eligible to join. So you
are able to join if you or any member of your
extended family has ever worked for a:
• government or privately owned land,
sea or air transport company
• government or privately owned
electricity company
• government body responsible for
administering the transport or
electricity industries
• company that provides contract services
to any of the above organisations.

Want more detailed information
on our products?
More information is available on each of
our covers. Our detailed cover guides list
everything you’re covered for and how much
you can expect to get back. Take a look at
the ‘rt members’ area of our website and
click on the page ‘how do you know what
you’re covered for’ to download a table for
the product you’re interested in. Visit
www.rthealthfund.com.au.

m
a
te
re
ca
er
b
em
m
r
ou
ct
ta
Con
So what do you think, would you like
to join us?
We’ll handle all the paperwork, and even
arrange the transfer from your old fund for you.
All you need to do is:
• visit our website to join online,
www.rthealthfund.com.au, or
• complete the application form in the back
of this brochure. If it’s missing you can visit
our website and join online or download
another application form.

22

Meet Josie from oumr.
member care tea

A few
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You’ve made the right choice to protect yourself
and your family with private health cover. Before
you get started we wanted to take a quick
moment to point out a few things about rt that
you might find interesting.

3. We’ve been looking after Australian
workers since 1889. We’ve been providing
health cover to people in the transport and
electricity industries for more than 120 years,
so we’ve had a long time to get it right.

1. We’re the health fund for transport and
electricity industry people. If you or a
member of your family currently work in the
transport or electricity industries, or ever
have, or if you work for a company that
provides services to the transport or electricity
industries, then you’re eligible to join.

4. We have a simple range of great value
health covers. In fact, Australian Financial
Review’s Smart Investor magazine has
named us one of Australia’s ‘best-value
health funds’ for three years running (June
2008 + 2009 + 2010). We keep it simple too
– no tricky fine print, no fancy footwork to trip
you up. And you’ll be pleasantly surprised to
see how our prices compare. More often than
not we find we can save people hundreds on
their health cover; it’s the type of deal you’d
expect from your industry health fund.

2. We’re a mutual not-for-profit fund.
That means we’re owned by our members.
We have no reason for existing other than
to provide our members with the best
possible health cover at the best possible
price. We return more than 90% of
contributions to members through claims
payments; with us, it’s all about a better
deal for members, not shareholders.

We don’t
waste money
on a lot of
branches for
our members
to line up in.

Have you noticed how so many
companies today treat their customers
like a real inconvenience?

head office
46 burwood road
burwood nsw 2134

Some make you pay to come in and talk to a
staff member, others charge you extra if you
choose to pay the way you want rather than
the way that suits them, and others even make
you do the work yourself! What’s happened to
the idea of service? Why is it that customers
are treated like the ones who are lucky to be
receiving an organisation’s service rather than
the organisation behaving like it’s grateful to
have you as a customer?

wollongong
139 keira street
wollongong nsw 2500

We exist to serve our members – this focus
makes it possible for us to deliver member
value above everything else.

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You’ve made the right choice to protect yourself
and your family with private health cover. Before
you get started we wanted to take a quick
moment to point out a few things about rt that
you might find interesting.

3. We’ve been looking after Australian
workers since 1889. We’ve been providing
health cover to people in the transport and
electricity industries for more than 120 years,
so we’ve had a long time to get it right.

1. We’re the health fund for transport and
electricity industry people. If you or a
member of your family currently work in the
transport or electricity industries, or ever
have, or if you work for a company that
provides services to the transport or electricity
industries, then you’re eligible to join.

4. We have a simple range of great value
health covers. In fact, Australian Financial
Review’s Smart Investor magazine has
named us one of Australia’s ‘best-value
health funds’ for three years running (June
2008 + 2009 + 2010). We keep it simple too
– no tricky fine print, no fancy footwork to trip
you up. And you’ll be pleasantly surprised to
see how our prices compare. More often than
not we find we can save people hundreds on
their health cover; it’s the type of deal you’d
expect from your industry health fund.

2. We’re a mutual not-for-profit fund.
That means we’re owned by our members.
We have no reason for existing other than
to provide our members with the best
possible health cover at the best possible
price. We return more than 90% of
contributions to members through claims
payments; with us, it’s all about a better
deal for members, not shareholders.

We don’t
waste money
on a lot of
branches for
our members
to line up in.

Have you noticed how so many
companies today treat their customers
like a real inconvenience?

head office
46 burwood road
burwood nsw 2134

Some make you pay to come in and talk to a
staff member, others charge you extra if you
choose to pay the way you want rather than
the way that suits them, and others even make
you do the work yourself! What’s happened to
the idea of service? Why is it that customers
are treated like the ones who are lucky to be
receiving an organisation’s service rather than
the organisation behaving like it’s grateful to
have you as a customer?

wollongong
139 keira street
wollongong nsw 2500

We exist to serve our members – this focus
makes it possible for us to deliver member
value above everything else.

While you are making your decision about
whether to join rt health fund, and which cover
is best for you, it is important that you read
(and retain for future reference) this brochure
and any other materials that we might send
to you or refer you to.
The information contained in this brochure is
general information about rt’s insurance services
and products and provides a summary of our
covers. rt takes care to ensure the information
found in it is complete and accurate. The
information does not however represent the
complete list of cover, waiting periods and
benefits in relation to rt’s insurance services.
rt accepts no responsibility for loss or expense
arising from reliance on the information found
solely in this document. You should confirm any
benefit, waiting period or statement within any
of rt’s policies and obtain advice specific to your
individual circumstances by contacting rt health
fund on 1300 886 123.
Effective 1 October 2010.
railway + transport health fund ltd
(abn 93 087 648 744) is a registered
health benefits organisation.

Printed on Nordset.
Nordset is an environmentally responsible paper
produced from FSC (mixed sources) certified pulp
from well managed forests and is Elemental Chlorine
Free (ECF). Nordset is manufactured by Nordland
Papier, a company certified with environmental
management systems ISO 14001 and EMAS,
the EU Eco-management & Audit Scheme
(Reg. No.D-162-00007). Nordset has also been
awarded the EU “Flower” Eco-label certification.
This brochure has been printed using eco-friendly
inks by an FSC accredited printer.
Designed and produced by team scope design
www.teamscope.com.au.
Printed by Green and Gold Printing
www.greenandgold.com.au.

health
cover for +
transporty
electricit
industry
people

Find your applicatiaontionformhere.
and pricing inform

Contact us if we can
give you a hand.

While you are making your decision about
whether to join rt health fund, and which cover
is best for you, it is important that you read
(and retain for future reference) this brochure
and any other materials that we might send
to you or refer you to.
The information contained in this brochure is
general information about rt’s insurance services
and products and provides a summary of our
covers. rt takes care to ensure the information
found in it is complete and accurate. The
information does not however represent the
complete list of cover, waiting periods and
benefits in relation to rt’s insurance services.
rt accepts no responsibility for loss or expense
arising from reliance on the information found
solely in this document. You should confirm any
benefit, waiting period or statement within any
of rt’s policies and obtain advice specific to your
individual circumstances by contacting rt health
fund on 1300 886 123.
Effective 1 October 2010.
railway + transport health fund ltd
(abn 93 087 648 744) is a registered
health benefits organisation.

Printed on Nordset.
Nordset is an environmentally responsible paper
produced from FSC (mixed sources) certified pulp
from well managed forests and is Elemental Chlorine
Free (ECF). Nordset is manufactured by Nordland
Papier, a company certified with environmental
management systems ISO 14001 and EMAS,
the EU Eco-management & Audit Scheme
(Reg. No.D-162-00007). Nordset has also been
awarded the EU “Flower” Eco-label certification.
This brochure has been printed using eco-friendly
inks by an FSC accredited printer.
Designed and produced by team scope design
www.teamscope.com.au.
Printed by Green and Gold Printing
www.greenandgold.com.au.